we pay for that with higher deficits, higher taxes, higher fares, more indebtedness in terms of bond debt where we say now we have to fix this. so it's a very devastating and continuingly devastating effect on our economy and there is one prediction that the gdp for this quarter which went up to 2% for the last quarter, you know a well, eric, may dip .5 or .6 as a result of what's affected the northeast. so it's a devastating hit and it's affecting a lot of people here in new york in ways that they never thought in new jersey and connecticut and all the atlanta coastal states in ways that they never thought that they would be affected. >> gretchen: let's take a look at the estimated insured losses of former storms. katrina, which was deemed to be the biggest disaster in recent time in 2005, that was 46.6 billion. andrew in '92, 22.9 billion. i'm not sure that's adjusted for current dollars. ike, 2008, 13.1 billion. wilma, charlie, et cetera. then you have sandy down there estimated, i think that's -- i'm not sure that's accurate. the estimation now is 20 billion. how do we even know